Prime mover and trailers
Damage to the powered unit, with owned trailers scheduled individually and non-owned trailers covered under separate wording.
Kenworth Truck Insurance
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Kenworth Truck Insurance
Cover for Kenworth prime movers on linehaul, road train and heavy haulage work.
Kenworth is the benchmark heavy truck in Australia and the one most likely to be running a road train, a B-double or a mine-site haul task. Units are usually specified to order and heavily optioned, so the gap between an agreed value and a generic market value can be very large. Downtime on a purpose-built unit is expensive and slow to fix.
What is it?
Kenworth trucks sold in Australia are assembled by PACCAR Australia at Bayswater in Victoria and specified for local conditions. The range covers bonneted conventional models used in linehaul and heavy haulage, cab-over models where length limits bite, and heavy-duty models built for road train and off-highway work in mining and resources. Most are ordered to a customer specification rather than bought from stock.
What does kenworth truck insurance cover?
Agreed value on specification
Heavily optioned trucks are commonly insured at an agreed value so a settlement reflects the actual specification.
Downtime while off road
Income lost while the unit is off the road, which matters more where build and repair lead times are long.
What affects the cost?
- Combination - single, B-double, B-triple or road train
- Route type, including remote, unsealed and mine-site access
- Agreed value and level of specification
- Driver experience and fatigue management systems
- Annual kilometres and claims history
Worth raising on the call
- A heavily optioned truck settled at market value can leave a real shortfall, so the basis of settlement matters.
- Mine-site and off-highway access often needs to be declared specifically rather than assumed.
- Bull bars, extra fuel tanks, lighting and accessories should be inside the declared value.
Claims we are commonly asked about
Rollover on a mine haul road
A loaded unit slides on a wet section of private haul road and goes over on the batter, damaging the cab, bonnet and lead trailer. Recovery equipment has to be brought in and site access rules apply, so the recovery bill and the delay are often larger than the panel repair.
Wheel-end fire on a long descent
A dragging brake overheats on a descent and starts a fire that spreads from the wheel to the trailer and the load before it can be stopped. Fire claims on a heavy combination usually involve the truck, the trailer, the freight and the road authority all at once.
Cattle strike on a remote highway
A bonneted unit hits a wandering beast at night hundreds of kilometres from the nearest town, damaging the bar, radiator and steering. The truck generally has to be towed a long distance before repair can start, which is where the towing limit and downtime terms get tested.
Worth confirming in the wording
- Worth confirming that the agreed value reflects every option, bar, tank, light and custom finish on the build, and how that value is reviewed at each renewal.
- Worth confirming whether operation on private mine site roads, off-highway access tracks and unsealed haul roads is contemplated by the policy rather than assumed.
- Worth confirming the towing and recovery limit specifically, since recovering a heavy unit from a remote location is rarely a small number and often sits under its own sub-limit.
Common questions
Should I insure a Kenworth at agreed or market value?
Agreed value fixes the settlement figure up front, which suits units ordered to a specification and heavily optioned, because market value can undershoot what was actually built. Agreed value usually costs more but removes the argument at total loss. The right choice depends on the specification, the finance on it and how much shortfall you could absorb.
Is my truck covered while it is on a mine site?
Not automatically. Work on private mine roads and off-highway access is commonly treated differently to public road use, and some policies limit or condition it. If any part of your work happens inside a mine gate, it is worth having that use written into the policy rather than assumed, subject to underwriting.
Are trailers covered under the prime mover policy?
Generally each owned trailer is listed as its own item with its own sum insured, and trailers you tow but do not own are addressed under separate non-owned trailer wording. Assuming the prime mover policy carries the trailers is a common and expensive mistake. Check the schedule against the trailers you actually pull.
What does Kenworth truck insurance cost?
There is no single figure worth quoting. Combination type, routes including remote and mine site access, the agreed value and specification level, driver experience and fatigue systems, annual kilometres and claims history all shape it. A broker can put the same specification to several heavy motor insurers.
General information only. Cover, limits and exclusions depend on the PDS, TMD, eligibility, underwriting and the policy terms. See truck insurance for the wider picture.
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